If you are living in a rented premise and are taking Tax Benefit of HRA Allowance, even then you can claim Tax benefit on home loan under Section 24, Section 80EE & Section 80C.

we have bought house of value 61 lakh but as its far away we have not occupied it and staying in rented house of 15k / month
can we utilize interest paid every year of 4lac under sec 24? loan amount is 48 lakh with 25 year tenure from sep 2015